TalkBank Reviews
TalkBank Black – My Take on the New Loyalty Program
summarizeEditor's Summary
I jumped on TalkBank Black the moment the new loyalty program dropped—my friends were buzzing, so why not? After two months of stacking points, the app feels way smoother than my old Sberbank card. The free service and solid cashback are sweet, but a bunch of promised features are still just placeholders and a weird point‑earning glitch gave me a headache. That odd compensation pop‑up and the empty screens make me wonder if this is a game‑changer or just a letdown.
settingsSpecifications
live_helpFeatured FAQ
How does TalkBank Black's cashback program work?
Every time you swipe, a slice of the purchase comes back automatically – you don’t have to turn anything on. The cash lands in your account in a few days and you can spend it just like any other money.
What’s the interest rate on debit‑card balances?
If you let money sit on your debit card, you’ll earn about 3‑4% APR, which is higher than most banks. Handy perk if you keep a decent balance.
Are there any hidden fees I should watch out for?
There’s no monthly fee, but keep an eye on foreign‑transaction fees and occasional ATM surcharges when you use out‑of‑network machines.
Why did my point‑earning stop after a few weeks?
A few of us hit a glitch that just stops points from adding up. Usually a quick chat with support or waiting for the next app update clears it.
Can I redeem the 16 k reward before the six‑month window ends?
The 16 k reward is tied to a six‑month earning window, so you can’t cash it out early. You’ll see your progress on the dashboard as you get closer.
Is there a way to get phone support if I need it?
Right now they only do in‑app chat and email. If you really need to talk to someone, you’ll have to wait for a callback feature they’re testing.
How secure is the TalkBank Black app?
The app uses fingerprint or face login, two‑factor auth, and encryption for every transaction. It’s about as secure as the big banks, so your data stays safe.
What should I do if I see a weird compensation pop‑up?
Snap a screenshot and ping support via the chat. Most folks get it sorted in a day, but reporting it right away helps.
Does TalkBank Black offer any travel perks?
Right now the program is all about cashback and points, no travel perks yet. Keep an eye out for future updates though.
How fast is the card delivery after ordering?
Standard shipping is usually 5‑7 business days, and you get a tracking number as soon as the card ships.
check_circlePros
- •No monthly fees – the account stays free, no hidden charges.
- •Cashback on every purchase piles up quickly.
- •Debit‑card balances earn a solid 3‑4% APR, better than most banks.
- •No call‑center drama; everything’s done right in the app.
- •The app looks sleek and runs faster than my old banking app.
- •Point tracking is a breeze with a clean dashboard.
- •Card arrives fast and activation is super simple.
cancelCons
- •A bunch of promised features are still just placeholders, so it feels half‑baked.
- •My points just stopped coming, and then a weird compensation pop‑up showed up.
- •No phone support – you’re stuck with chat or email, and they can be slow.
- •The loyalty rules are vague, making it tough to map out that 16 k reward.
- •No push notifications for point milestones, so you have to keep checking the dashboard.
- •Support can be sluggish when things get busy.
